<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 36,771,235 <INT-BEARING-DEPOSITS> 22,702,464 <FED-FUNDS-SOLD> 441,805,200 <TRADING-ASSETS> 22,125,400 <INVESTMENTS-HELD-FOR-SALE> 715,519,242 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 715,519,242 <ALLOWANCE> 1,261,384,608 <TOTAL-ASSETS> (11,285,716) <DEPOSITS> 757,122,073 <SHORT-TERM> 1,172,499,450 <LIABILITIES-OTHER> 270,012,468 <LONG-TERM> 13,035,363 <PREFERRED-MANDATORY> 132,329,546 <PREFERRED> 0 <COMMON> 22,652,660 <OTHER-SE> 66,232,498 <TOTAL-LIABILITIES-AND-EQUITY> 1,261,384,608 <INTEREST-LOAN> 8,232,191 <INTEREST-INVEST> 7,872,353 <INTEREST-OTHER> 362,838 <INTEREST-TOTAL> 73,616 <INTEREST-DEPOSIT> 22,024,523 <INTEREST-EXPENSE> 4,863,923 <INTEREST-INCOME-NET> 5,845,277 <LOAN-LOSSES> 11,315,423 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> (21,092) <INCOME-PRETAX> 8,682,634 <INCOME-PRE-EXTRAORDINARY> 6,213,138 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,101,049 <EPS-BASIC> 0.48 <EPS-DILUTED> 0.48 <YIELD-ACTUAL> 3.82 <LOANS-NON> 1,224,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 620,000 <LOANS-PROBLEM> 10,626,621 <ALLOWANCE-OPEN> 11,158,126 <CHARGE-OFFS> 27,484 <RECOVERIES> 155,270 <ALLOWANCE-CLOSE> 11,285,716 <ALLOWANCE-DOMESTIC> 11,285,716 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0